The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,085
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,177
−HK$1,108/mo
Today · 4.125%
HK$37,285
baseline
▲ 0.50% · 4.625%
HK$39,554
+HK$2,269/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,570/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,032
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,079
−HK$1,062/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,309
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,102
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,412
−HK$1,330/mo
Today · 4.125%
HK$44,742
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,723/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,484/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,838
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,094
−HK$1,275/mo
Today · 4.125%
HK$49,369
baseline
▲ 0.50% · 4.625%
HK$51,971
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,738/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,119
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,647
−HK$1,552/mo
Today · 4.125%
HK$52,199
baseline
▲ 0.50% · 4.625%
HK$55,376
+HK$3,177/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,398/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,645
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,110
−HK$1,487/mo
Today · 4.125%
HK$57,597
baseline
▲ 0.50% · 4.625%
HK$60,633
+HK$3,036/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,194/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,153
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,118
−HK$1,996/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$71,197
+HK$4,083/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,257
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$1,911/mo
Today · 4.125%
HK$74,053
baseline
▲ 0.50% · 4.625%
HK$77,957
+HK$3,904/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,106/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,994 · Scale 2, in force from 26 Feb 2026)